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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,221 | $91,559-71.4% | $133,978-80.4% | $79,856-67.2% |
| Participation rate | 43.9% | 73.3%-29.4pp | 79.8%-35.9pp | 69.6%-25.7pp |
| Annual return | 14.58% | 61.85%-47.3pp | 45.10%-30.5pp | 31.71%-17.1pp |
| Employer contribution / active EE | $982 | $2,384-58.8% | $3,919-74.9% | $2,471-60.2% |
| Participant deferral / active EE | $1,887 | $3,734-49.5% | $5,047-62.6% | $3,741-49.5% |
| Admin fee / account holder | $949 | $6,321-85.0% | $8,930-89.4% | $5,306-82.1% |